Best Personal Loan Rates in Spokane, Washington - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Spokane, Washington include: Cheney Federal Credit UnionCheney Federal Credit Union10505 W Westbow Rd, Spokane, WA, 99224 7434A+5.0 ★Texas Ratio: 1.29% offering Credit Builder Loan at 6.00% APR, Safeway Federal Credit UnionSafeway Federal Credit Union529 E North Foothills Dr, Spokane, WA, 99207A+5.0 ★Texas Ratio: 3.64% offering Tractor & Operating Equipment Loan at 6.90% APR, Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA, 99201 2531A+5.0 ★Texas Ratio: 0.00% offering Personal Loans at 8.90% APR, Spokane City Credit UnionSpokane City Credit Union1930 N Monroe St, Spokane, WA, 99205 4538A+5.0 ★Texas Ratio: 2.52% offering Signature Loans at 9.90% APR, and Idaho Central Credit UnionIdaho Central Credit Union41 W Riverside Ave, Spokane, WA, 99201A+5.0 ★Texas Ratio: 3.86% offering Signature Loans 12 Months at 10.04% APR. Personal loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Spokane has 7 local institutions in our database, with personal loan rates as low as 6.00% APR from Cheney Federal Credit Union at 10505 W Westbow Rd, Spokane, WA, 99224 7434. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Spokane, Washington.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Spokane, Washington. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: June 23, 2026
Spokane Personal Loan Rates
Fixed rate, on loan amounts of $500 to $2,500.
requires 20% cash down
As Low As; *APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
As Low As; $10,000 max per member
As Low As
As Low As; *
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
This no-frills unsecured loan can help out in a pinch.(1)(2)
As Low As; Financing up to $30,000
Convenient personal lending. Loan rate based on terms. See Notes and Fees for details.
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
As Low As; Financing up to $30,000
As Low As; variable rate
As Low As; Financing up to $30,000
Fixed rate. Maximum loan amount: two times gross monthly income.
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
(unsecured)
As Low As; Financing up to $30,000
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
As Low As; Financing up to $30,000
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As Low As; variable rate
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No additional details available.
Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required.
Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required.
Rates subject to change daily. Loan rates based on creditworthiness and credit approval. Membership eligibility required.
As Low As
As Low As; Borrow up to $2,500
No additional details available.
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
No additional details available.
No additional details available.
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Up to $3,000
No additional details available.
Maximum loan amount $10,000. Lowest rate includes discounts.*
No additional details available.
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As Low As
Make fixed low monthly payments at 0% interest with a 6.07% APR; Additional terms apply.
As Low As
No additional details available.
The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
As Low As; Vehicle Age
No additional details available.
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Highest APR: 7.25%
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No additional details available.
No additional details available.
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As Low As; Include accessories in your loan (contact us for details); eBikes and pro-installed electric-assist motors qualify; Get the loan and then the bike, or buy the bike and we'll reimburse you.
Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
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As Low As; Interest rates and fees are determined by loan type based in part on an evaluation of the member's credit experience. Rates and terms are at the discretion of the credit union and may be changed without notice.
No additional details available.
No additional details available.
As low as 7.85% APR!* APR = Annual Percentage Rate. On approved credit. Olympia Credit Union Equity in a 2nd rates as of November 23rd, 2022 range from 7.85% - 18.00% APR. Annual Percentage Rate 7.85% based on a $45,000.00 balance on a 60 month term will have a monthly payment of $915.27. Borrower's may be responsible for third party fees. Contact Olympia Credit Union for details.
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As low as; Click Here
Up to $40,000
No additional details available.
Up to $40,000 limit
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As low as*
Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
No additional details available.
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As Low As; Estimated Monthly Payment Examples: 24 monthly payments of $45.91 per $1,000 borrowed
As Low As; Personal loans up to $10,000
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Personal loan rates are based on your credit history and credit qualifications.
As Low As
Call for current Promotional Rates.
Highest APR: 17.99%
No additional details available.
No additional details available.
No additional details available.
As Low As; Processing Fee: $40
Unsecured
No additional details available.
Rates are subject to change without notice. Effective as of 1-1-2026. Includes a .25% discount for auto-pay.
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As Low As
No additional details available.
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No additional details available.
Personal loan rates are based on your credit history and credit qualifications.
Spokane Personal Loan Rates
As Low As; *APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
As Low As; Financing up to $30,000
Convenient personal lending. Loan rate based on terms. See Notes and Fees for details.
As Low As; Financing up to $30,000
As Low As; Financing up to $30,000
Fixed rate. Maximum loan amount: two times gross monthly income.
As Low As; Financing up to $30,000
As Low As; Financing up to $30,000
Available on new purchases only. Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle. Rates are based on your credit history and credit qualifications. Minimum loan amount is $250. Maximum loan repayment period is 48 months or 12 months per $1,000 borrowed. (For loans under $1,000 maximum loan repayment period is 1 month per $100 borrowed.)
As Low As
As low as; Click Here
as low as
As low as*
Verity members can apply by logging into Digital Banking and selecting "Open account or loan" from the menu. Lowest rate includes rate discounts.*
As Low As
No additional details available.
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Highest APR: 17.99%
Call for current Promotional Rates.
As Low As
Personal loan rates are based on your credit history and credit qualifications.
No additional details available.
No additional details available.
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No additional details available.
Personal loan rates are based on your credit history and credit qualifications.
Spokane Debt Consolidation Loan Rates
No additional details available.
Spokane Signature Loan Rates
As Low As; $10,000 max per member
As Low As; *
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
This no-frills unsecured loan can help out in a pinch.(1)(2)
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
(unsecured)
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
No additional details available.
No additional details available.
No additional details available.
Up to $40,000 limit
Up to $40,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
Unsecured
No additional details available.
No additional details available.
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No additional details available.
Spokane, WA Personal Loan Rate Trends
Compare local Spokane, WA personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Washington personal loan rates currently average 11.657% APR.
Washington signature loan rates currently average 10.123% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Spokane, Washington personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Spokane, Washington directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Spokane, Washington. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in WA.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Washington?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Washington?
Are credit unions or banks better for personal loans in Spokane, Washington?
What are the best personal loan rates in Spokane, Washington?
- Cheney Federal Credit Union: 6.00% (Credit Builder Loan)
- Safeway Federal Credit Union: 6.90% (Tractor & Operating Equipment Loan)
- Responders Emergency Services Credit Union: 8.90% (Personal Loans)
- Spokane City Credit Union: 9.90% (Signature Loans)
- Idaho Central Credit Union: 10.04% (Signature Loans 12 Months)
Personal Loan Calculators
